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Helping Homebuyers Overcome

the BIGGEST Obstacles to

Homeownership...

​​​​​​​The down payment & the

credit score!

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Call Us Today! (800) 972-6070

Pre-approval is Easier Than You Think!

We Serve Low Down and Lower Credit Score Homebuyers!

3.5% Down. 58O Credit Score. Loan Amount to $636,000 or Credit Scores as Low as 550. Down Payments Starting at 3%.

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Over $2 billion funded and over 10,000 loans closed since 1990

Shows that we will find a way even on the most complex deals.


WE DO NOT GIVE UP!

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Drawing on over two decades of experience and an extensive lender network,

we work to find the most innovative home loan solutions for our clients,

including non-traditional borrowers.​​​​​​​

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Call Us Today! (800) 972-6070

S E R V I N G   A L L   O F   C A L I F O R N I A

NMLS # 993126    |    BRE # 01094577

 BUYING A HOME IS WITHIN REACH!

• We can offer solutions to credit challenges

• Figure out a roadmap to purchase a home

• Ease fears about qualifying

• We're easy to reach!

Saving for a down payment can be hard, especially for first time home buyers.

If 20% is out of reach, fear not, Plenty of home loan options exist with as little as 3% down.  

10,421
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10,677
23,502,376,502

SATISFIED BORROWERS

LOANS CLOSED

DOLLARS FUNDED

COMPLEX SITUATIONS

Credit Challenges


Self Employed


Low Down Payment



REFINANCE OPTIONS

Cash Out / Pay Off Debt


Lower Monthly Payments


Remodel / Home Improvements


Shorten Loan Term / Build Wealth

Down Payments as Low as 3-3.5%

(can be a gift)


Credit Scores Down to 550


Fixed Rates


95% to $1,500,000

PURCHASE OPTIONS
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"Scott Osder is one of the most persistent, honest, hardworking professionals I have ever worked with. He listens, follows through and delivers even when our scores were below sea level and we were deep in credit card debt. Step-by-step he got us loans no one else could, and methodically helped us to a strong high credit score and financial stability."


–M. Diils, Aptos , CA